Health cover after losing your job in the UK
NHS access and private medical insurance after redundancy in the UK — GOV.UK guidance without invented costs.
Redundancy may end workplace private medical insurance. NHS care remains based on ordinary residence — check NHS and GOV.UK for benefit-linked help with prescriptions.
NHS eligibility
Most UK residents access NHS GP and hospital care free at point of use.
Register with a local GP promptly after moving or changing circumstances.
Immigration status can affect entitlement — see NHS England guidance.
Workplace PMI ending
Employer-paid PMI usually stops on last day — ask HR about run-off cover.
Continuing cover privately is optional; compare quotes.
Do not delay NHS referrals waiting for PMI.
Prescriptions and dental
Universal Credit or certain benefits may qualify for free prescriptions — use NHS checker.
Dental and optical costs are separate from core NHS hospital care.
HC2 certificate helps with some charges if on low income.
Mental health support
NHS talking therapies (IAPT) self-referral in England.
Employer EAP ends with job — note crisis lines on NHS website.
Waiting lists vary; GP can triage urgent cases.